ARC (Europe) Ltd is a leading UK-based debt collection agency specialising in ethical, digitally enabled collections across the financial services, health & fitness, insurance, and retail sectors. With over 20 years of experience and a proven track record in both primary and secondary debt, ARC delivers exceptional results through a hybrid strategy of behavioural science, segmentation, and digital self-serve journeys, supported by skilled, empathetic agents.
Our compliance-first culture and FCA authorisation ensure fair outcomes and high levels of customer satisfaction, with consistently strong Google and client reviews. We support a wide range of consumer lenders, including high street banks, BNPL providers, and subscription-based businesses, helping them recover more while protecting their brand reputation.
ARC offers tailored strategies, data-led insight, and a scalable approach to collections that balances performance, customer experience, and regulatory responsibility.